We have had VPI pet insurance well over 7 years, maybe more like 9. They have always been good about covering our bills to the extent that is outlined in the Declarations. This includes ongoing care for a Diabetic Great Dane from diagnosis to the point he passed away from complications brought on by the disease. Over the years we have had 7 dogs covered under VPI pet insurance and it has been worth every penny we have spent. Service has always been prompt and the ability to track claims through the web keeps us appraised of the progress of each and every claim. If you go into this understanding exactly what it is you are getting coverage for and how the system works you will find it is better than not having any coverage at all. Especially when wellness exams, spay and neuter are covered.